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Introduction:

When Al dies, his wife Amber, daughter Holly and Son Tom go from a comfortable life to one where all their advantages were stripped away from them in a single day.

I may keep the story going if there is enough interest
To say that the day had been devastating for Amber, Holly and Tom would be a gross understatement. It had started off normally enough, with Amber waking up next to Al, her husband of 18 years, luxuriating in his warmth and the smell of musk and cum from the fun the evening before. Al had gotten up and showered and by the time he was dried off and dressed Amber had put on a skimpy robe and was just finishing up the bacon and eggs when Al joined her. He had just come up behind Amber and opened her robe to fondle her bare 32C tits when they heard their kids come downstairs, looking for breakfast before leaving for school. Al whispered in Amber’s ear ‘baby, I’ll pick this up where I left off when I get home tonight’ as he pulled his hands from Amber’s chest, but playfully without closing her robe again.



As Amber had her hands full with the pan of bacon and eggs, she carried it to the table despite he open robe and her kids got yet another view of her full, barely sagging tits (that hardly showed any evidence of having breast fed two kids), her flat tummy, and the fairly significant patch of red hair between her legs.

She put the pan on the trivet her daughter Holly got out for her and as she nonchalantly retied her robe Holly said ‘mom, I hope my body is at least half as nice as yours is when I’m 38!’ Tom added, ‘dad, all I can say is you are one seriously lucky dude!’ Amber laughed and thanked the kids for the compliments and told them that they were all too kind as Al reached up under her robe as he sat at the table to fondle her ass a bit before admitting to the kids that he was the luckiest man on earth.

Everyone laughed and chattered as they cheerfully ate their breakfast before heading their individual directions. Al to his work as foreman of a small renovation firm that specialized in revitalizing century buildings, bring them up to current code, and refreshing their exteriors to ‘like new’ condition. The twins Holly and Tom, were off to their first ever day of exams at the college level. They were wrapping up the first semester of a BA in history. Amber worked in same school her kids attended as the secretary for the department head of the sociology department and was proud that her kids were doing so well in ‘her’ school, even if it wasn’t her department.

Shortly before lunch the day changed, and Amber looked up from her desk to find Al’s boss Mathew standing in her doorway. As she stood to give him a warm hug and peck on the cheek she was very concerned. Not only had he never come to her office alone before, but the look on his face made it plain that what he had to say was not going to be pleasant.

He blurted out ‘Amber, you better sit down. I don’t know how to tell you, so I will just say it. There was an accident at work today. You know that project we are working on downtown, the one where we are resorting that old 5 story Greystone apartment building. Well, Al was directing the crew as they were refacing the eaves, and there was a freak accident and the scaffolding he was standing on gave way. There was enough time for 3 of the 4 of them that were working that bit to scramble up on to the roof, but young Tim, the new apprentice only managed to get as far as the drain spout and was hanging on for life – literally. Al lowered himself down and had just managed to help Tim up to the reaching arms of the crew above when the down spout gave way from damage it sustained when the scaffolding wrenched it from its fastenings as it fell. Amber, he . . . didn’t make it.’

Matthew had tears running down his cheeks as he finished the story and Amber sat there utterly dumbfounded, speechless and in shock.

He then asked where he could find the kids to tell them and Amber managed a to stifle a sob long enough to ask him to wait outside for a couple of minutes and they would go together.

Soon they were sitting on a bench outside one of the last classroom auditoriums, where the kids were writing their exams with Amber quietly sobbing on Matthew’s shoulder. Many passersby knew Amber and looked as if they were about to stop to inquire, but Mat waved them all on.

One by one students trickled out of classroom until finally Holly and Tom out with big grins on their faces. That is until they say their mom, and their dad’s boss.

Amber got up and led them to the staff room next to the auditorium and Mathew told the story again, and this time all four of them ended up crying in each others’ arms.

The rest of the day was a blur as Amber called her department head to tell him the news before Mathew drove them all home.

Some hours, and a few bottles of wine later, the three passed out in Amber and Al’s bed, still all fully clothed and cried out for the moment. In fact, that night spent together set an unspoken precedent, and each evening after Amber would grab a couple of bottles of wine and the kids would follow her to her room and they would snuggle, and drink and talk.

The second night they slept in their clothes again, but the third night, saying nothing about it, when it came time to crawl into bed, Amber shrugged out of her blouse and skirt. As she wasn’t wearing a bra her fine 32Cs were on display as she climbed under the covers. Holly paused for a moment and did the same, exposing her firm, perky 32Bs. Tom paused and then with the hint of a grin stripped to his boxers and made no effort to hide the small chubby he had going on as he slid into bed between his topless mom and sister.

The next days passed as they made arrangements for the funeral and as Amber was on the phone, finalizing catering for the wake the doorbell rang. Holly answered it and found Mat there. He had been a steadfast supporter since that fateful day but today, he was once again ashen and Holly asked him what was wrong.

He walked in and seeing Amber already in the living room, asked Holly to fetch her brother. She quickly complied and as he walked in, Amber hung up the phone and Matthew said ‘I have more bad news, you guys are going to hate me. I just left our lawyer’s office, and they just finished up with our insurance company and I don’t know how to tell you, but Al’s life insurance, including you kids’ education fund won’t be honored. It seems that our insurance won’t cover liability causes by external agencies rentals. In this case, the scaffolding. They should have had their own insurance, but somehow they let their policy lapse and the bottom line is that there is no money for you. I know you guys just bought this house and have an astronomical mortgage payment you were just covering and so I have done what I can. We had a meeting of our exec, and we have dipped into our own corporate profits, our own retirement fund, and had some significant personal donations. What we were able to do was secure you a tiny apartment in the building that we were renovating that you can have free and clear, but I’m afraid that has almost bankrupted us and there is nothing more we can do. I’m so sorry’.

This level of devastation would have broken a weaker family, but Amber, Holly and Tom put a brave face on it as they sorted through the estate and found themselves in desperate circumstances. Even without funeral expenses they found they had considerable debt and ended up having to sell both their cars and most of their furniture. In a way this was a mixed blessing though as there was very little room in their tiny studio apartment.

The only bright point in all of this was the evolving bedtime ritual. The last night in their old place when it came time to get into bed, Amber stripped right down. The kids knew their parents slept naked, but this was the first time for sharing her bed naked since they used to occasionally all sleep together when they were much younger. This time there was no hesitation amongst either kid and when Tom stripped off he was fully erect and both his mom and sister smiled as the lights went out.

Tom lay there for a long while until it sounded like both his mother and sister were sleeping. At least their breathing had slowed to a nice even rhythmic in and out. What hadn’t changed was how hard his cock was as he lay there thinking about the fact he was mere inches from two of the hottest girls he had ever seen, and they were both naked. He couldn’t help himself and reached for his cock.

The precum had been flowing since his mom’s gorgeous hairy bush had come into sight and he thought of the handful of college girls he had been with this last semester, and how the trend seemed to be for all girls to shave their bushes. He was so glad that neither his mom or sister went along with that trend.

He could see from the dim light of the streetlight outside that both his mom and his sister had their backs to him. He turned to look as his sis and it sure looked like she was sleeping, with the blanket pulled up right to her head so he looked back at his mom, who he was facing. She had the blanket down a bit, and from his angle he could just make out a tiny bit of her tit in the dim light.

It was in that position, staring as best he could at his mom’s tit that he began to slowly stroke his young cock. He moved as slowly as he could so as to not wake up his mom, or his sister for that matter. It wasn’t like this was the first time he had ever jerked off thinking about his mom or sister. In fact it was very common for him to use their dirty panties, alternating whose he held to his nose, and which he stroked his cock with, but this was the first time he had ever jerked off staring at either of them.

As he stroked he reviewed his spank bank for sexy images of her and thought of all the times he had seen walk naked past his room, on the way to or from the shower, or the times she had thought she was home along and peed with the door open, or to the handful of times he had seen his mom and dad fucking.

Damn, he murmured almost audibly as his cock went limp in has hand as he thought about his dad. He sighed and let go of his cock as his lustful feelings dissipated. Just them Amber shifted, pushing her ass back at him and Tom found him laying with his now soft cock nestled between his mom’s ass cheeks. He didn’t dare reach for it again as he would bump his mom so he eventually fell asleep with his cock firmly resting against his mom.

He woke in the bright light of morning as Holly tossed back the covers, exposing all of them. Tom’s cock was rock hard, as can be expected with a teen and his morning wood, and it was still right up against his mom’s ass. In fact, his cock head was resting right on her taint. She must have realized about the same time as Tom did because she gave her ass a little jiggle before getting up and blowing kisses to her two kids.

Tom could have sworn she intentionally caused his cock to slide right along her slit as she was getting up.
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